Last updated: 8/19/2020

Learn More

AARP Rewards

Earns: Cash Back

GigaTake:

If senior citizens know one thing, it’s how to get a discount. And you don’t even need to be over 50 to join AARP—so be a dear and consider this zero-annual-fee card that earns 3% cash back on dining and gas.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the AARP Rewards compares to other credit cards

AARP Rewards Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %

0%
6%

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %

0%
7%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 10,000

Value = 1 cent per point
Effective Value = $100

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$100

OK

Bonus Rating

Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3% Gas

Excellent

excellent

Excellent

In the top 15% of cards.

3% Dining

Very Good

very good

1% All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 17.74% to 24.49%,
BALANCE TRANSFER APR 17.74% to 24.49%,
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 26.49%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS Up to $15 if the balance is less than $750; up to $35 if the balance is $750 or more.
RETURN CHECK FEE $0
FOREIGN TRANSACTION FEE 3%